Mortgage services for every kind of property

Finance for apartments, villas and townhouses for UAE nationals and expatriate residents, whether it's your first home or your next.

• Up to 80% financing for expats on a first home under AED 5M (85% for UAE nationals)
• Fixed, variable and EIBOR-linked options compared across banks
• Terms up to 25 years, subject to age and bank policy

Buy property in the UAE while living abroad. Only some banks lend to non-residents, and criteria vary by nationality and income country. We know which ones will consider your profile.

• Financing typically 50–60% of the property value
• Selected banks that accept overseas income
• Document checklist and remote application support

If your fixed-rate period has ended or your rate has crept up, moving your mortgage to another bank can lower your monthly payment. We compare the full cost of switching, including early settlement fees.

• Rate and total-cost comparison before you commit
• Early settlement fee is capped at 1% of the outstanding balance or AED 10,000, whichever is less
• We coordinate the liability letter and transfer between banks

Unlock cash from a property you already own, to fund a new purchase, a business or a major expense, without selling.

• Available on mortgage-free and mortgaged properties
• Release amount based on current valuation and your income
• Clear explanation of repayments before you proceed

Sharia-compliant home finance from UAE Islamic banks, structured as Ijara (lease to own) or Murabaha (cost-plus sale). Pricing is usually close to conventional loans, but contract terms differ.

• Ijara and Murabaha structures explained in plain language
• Side-by-side comparison with conventional offers
• Early settlement and late-payment terms clarified upfront

Finance for offices, retail units, warehouses and other business premises, for companies and individual investors.

• Financing typically 50–60% of value, with shorter terms than home loans
• Applications for companies, partners and investors
• Support with trade licence, audited accounts and company documents

Buying from a developer? We help you plan the payment schedule and arrange a mortgage in time for handover, when most buyers need finance for the remaining balance.

• Handover mortgage planning well before completion
• Guidance on developer payment plans and bank-approved projects
• Off-plan financing where available, usually capped at 50%

Banks assess business owners differently from salaried applicants. We present your company accounts, bank statements and licence so the bank sees your real income.

• Banks that understand self-employed and freelance income
• Guidance on which statements and accounts to prepare
• Usually requires a trading history of at least 1–2 years

Buying your first property is a big step. We explain budgets, fees and every stage of the process clearly and patiently, so there are no surprises.

• Realistic budget including Dubai Land Department fees (4% of price) and other costs
• Step-by-step explanation from offer to transfer
• Help comparing your options before you commit

A pre-approval confirms how much a bank will lend you before you choose a property. It sets your budget and shows sellers you're a serious buyer.

• Usually issued within a few working days once documents are complete
• Typically valid for around 60 days
• Lets you negotiate with confidence